Clay County property record for 890 Clay St, Fleming Island, FL 32003
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,694 sqft · built 2006 |
| Lot Size | 0.168 acres (7,361 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Jun 2022) |
| Tax Bill | $3,622 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 38-05-26-014804-001-00 |
| Primary APN | 38-05-26-014804-001-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,694 sqft Heated Area |
| Gross Area | 2,748 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Logs |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,361 sqft (0.168 acres) |
| Lot Dimensions | 123 ft deep x 60 ft wide |
| Garage Area | 496 sqft |
| Pool Area | 450 sqft |
| Porch | Porch |
| Porch Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 890 CLAY ST |
|---|---|
| City | FLEMING ISLAND |
| State | FL |
| Zip | 32003-9307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 3 FLEMING ISLAND ESTATES AS REC O R 4624 PG 560 |
| Legal Range | 26 |
| Legal Township | 05 |
| Legal Section | 38 |
| Legal Subdivision | FLEMING ISLAND ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | CLAY FL |
| Township / Civil Division | ORANGE PARK |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 30701 |
890 Clay St is owned and occupied by two individuals who bought it in June 2022.
Source: Clay County records, as of December 18, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 890 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Apr 27, 2020 | Warranty Deed, Transfer · Conventional Mortgage ACADEMY BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2022 · Amount on File |
| Deed Sale | Jun 28, 2022 · Amount on File |
| Prior Sale | Dec 21, 2006 · Amount on File |
| Deed Document Number | 0004624560 |
| Deed Book / Page | 4302 / 454 |
| Prior Transfer Date | Apr 27, 2020 |
| Prior Transfer Doc | 2020020929 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY FL |
| Property Address | 890 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12428 WOODLAND DR, JACKSONVILLE, FL 32218-2559 |
| Document Number | 0046240562 |
|---|---|
| Date | Jul 5, 2022 |
| Book Page | 4624/562 |
| Instrument | 2022040812 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Jul 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.37% |
| Max Rate At Change | 9.5% |
| Index | Other |
| Max Rate | 9.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY FL |
| Recording Date | Apr 27, 2020 |
| Property Address | 890 CLAY ST, FLEMING ISLAND, FL 32003-9307 |
| Document Number | 0043020454 |
| Book / Page | 4302 / 454 |
| Map Reference | MB 4 PG 61 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 2020020929 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2193 JOHN MORTON RD, 2193, ORANGE PARK, FL 32073-5052 |
| Name | Verified Name |
|---|---|
| Address | 890 CLAY ST, ORANGE PARK, FL 32003-9307 |
| Investor | Possibly a Property Investor |
| Document Number | 0043020456 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 4302/0456 |
| Name | ACADEMY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 890 Clay St was $3,622 with a homeowner's exemption.
Source: Clay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,622.00 Homeowner's exemption | $277,677 | $309,705 Land $50,000 Building $259,705 |
| 2023 | $3,703.00 (-7.54%) Homeowner's exemption | $261,993 (-0.68%) | $327,564 (+24.18%) Land $50,000 Building $277,564 |
| 2022 | $4,005.00 | $263,775 Land $30,000 Building $233,775 | $263,775 Land $30,000 Building $233,775 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 890 Clay St in Zone X, an area of minimal flood risk, though there have been 57 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 191 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 191 in force |
| Nearby Flood Claims | 57 (1980–2024) |
| Claims Outside the SFHA | 31 of 57 |
| Most Recent Claim | Sep 2024 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 890 Clay St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 215 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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